Different banks have different deadlines for overdue credit reports. Generally speaking, credit cards will be reported for about 1-3 days if they are overdue.

Currently, various banks have varying degrees of grace periods for credit card repayments. As long as repayments are made within the grace period, overdue records will not be reported to the central bank, and overdue payments will not occur.

The credit card repayment grace period varies from bank to bank, generally ranging from 1 to 3 days. If you repay within the grace period, the bank will default to on-time repayment and will not affect your personal credit report.

If you still haven’t repaid the loan after the grace period, it may be uploaded to the central bank’s personal credit reporting system, which will affect your credit reporting.

This answer is provided by Youqianhua. I hope it will be helpful to you. Youqianhua, as a credit brand under Duxiaoman Financial (formerly Baidu Finance), provides users with convenient, fast and secure Internet credit services, with a maximum loan limit of 200,000.